Payments and blockchain: PilotvilleThe payments industry went just a bit blockchain bonkers at Sibos 2016. Distributed ledger technology (DLT) was a hot topic throughout the week. This was quite astounding given there are very few examples of working blockchain or DLT use cases; most of the initiatives under way are proofs of concept.

Why payments can no longer be “an industry”There are three options of a road ahead for the payments industry players: 1) to carry on as they are and watch their margins erode; 2) to transform into a utility; 3) to have a long hard look at their value chain. If you choose the latter – what do you see, asks Sapient Global Markets’ Leda Glyptis. So… here are Wendy and Bob.

Blockchain: mind the gap
Blockchain technology is far from mature and there is a danger that regulation could crush innovation and competition. Professor Michael Mainelli and Simon Mills* argue that a more measured approach to the technology would be to develop voluntary standards.

Real-time payments in the US: right said FedWill everyone really benefit from the real-time payments coming to the US? Can the US regulator mandate the banking sector to adopt it? And what are the chances of this new faster payments system becoming ubiquitous? Banking Technology digs deeper, past the hype.

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